We'll help you achieve your homeownership dreams.

FBT Mortgage is a wholly-owned subsidiary of First Bank and Trust. With FBT Mortgage's competitive mortgage rates and options, you can find the home loan that fits your individual budget and lifestyle, whether you're buying or building a home. We provide financing for first-time homebuyers, second homes, vacation homes, condos, or re-financing for your existing home. Our mortgage lenders are experts in the Louisiana, Mississippi and Florida housing markets and can help you find the best solution for your loan needs.

Conventional Mortgages

Whether you need a fixed-rate, 30-year mortgage or an adjustable-rate option, we provide options for purchases and refinances.

Terms available up to 30 years

Choose a fixed or variable rate

20% down payment eliminates monthly mortgage insurance

Finance up to 97% with mortgage insurance

Allows for higher loan amounts

Down-payment assistance available

Federal Housing Administration (FHA) Loans

Low down-payment and flexible guidelines make home loans backed by the U.S. Federal Housing Administration a smart option for eligible buyers and those who wish to refinance existing FHA loans.

Down payments as low as 3.5%

Funds can be a gift

Seller contributions up to 6% of sales price

Credit scores as low as 580 (conditions will apply)

Streamlined refinance does not require an appraisal

FHA-to-FHA refinance up to 97% financed

Down-payment assistance available

VA Home Loans

Available to veterans, active duty and their families, these mortgages are backed by the U.S. Department of Veterans Affairs.

No down-payment required

No mortgage insurance

Easy qualification criteria

Interest rate reduction loan with no cash out and limited amount of paperwork required

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